UNDERSTAND YOUR SCORE

How the scores range

To interpret your VantageScore credit score, it helps to put it in the context of the range of possible scores. That range will vary, depending on which version of our credit scoring model was used to generate your score.

If it was generated using an earlier VantageScore model, it will range from 501 to 990.

If it was generated using the VantageScore 3.0 model, it will range from 300 to 850 — a numerical scale that is more commonly used by other credit scoring models.

Regardless of the model’s score range, higher scores indicate to lenders that you’re a less risky borrower, while lower scores indicate that you’re an increased risk.

The conversion chart below provides the relationship between the two VantageScore model scales. Just keep in mind that this chart is relevant only to the credit scores generated by the VantageScore model, so they won’t accurately explain credit scores generated by other models.

Use the range below to find your VantageScore 2.0 credit score from the 501–990 scale

Why the VantageScore model was updated

For credit scores to remain as accurate and predictive as possible, the models used to generate them need to be rebuilt periodically. This updating helps to ensure that credit scores will continue to accurately reflect any changes in the economy as well as borrowers’ behaviors. In turn, this means your credit score will be a more accurate picture of your credit behaviors. This helps to ensure that you are offered the right types and amounts of credit. There are three VantageScore models. The most recently introduced is the VantageScore 3.0 model.